Merrill Edge $100–$1,000 Brokerage Bonus - 2026 Review
Affiliate disclosure: Fat Stacks Academy may earn a commission if you open an account through this link, at no additional cost to you.
- Bonus tiers
- $100 for a $20,000+ deposit
- $200 for a $50,000+ deposit
- $400 for a $100,000+ deposit
- $1,000 for a $250,000+ deposit
- Enter promo code 1000BR when you apply
- Availability: Nationwide
- No stated lifetime limit
- Monthly fee: $0
- No early-closure rule listed
- Funding window: 45 days
- Maintenance/hold period: 90 days
- Total practical hold: ~100 days
Bonus Tiers & Effective APY
Overview
Merrill Edge currently offers up to $1,000 through its brokerage promotion. The headline tier requires $250,000 and keeps the funds committed for roughly 100 days. That is approximately 1.5% annualized before tax and opportunity-cost adjustments.
Pros
Cons
Notes
Fund the account inside the 45-day window, target the tier you can maintain comfortably, and keep the qualifying balance in place for the full 90-day maintenance period. Avoid moving the money until the reward posts.
How This Compares to Other Bonuses
Merrill Edge's $1,000 headline payout is closest to Moomoo's $1,000 offer. Compare the required capital, holding time, account fees, and base interest, not only the bonus.
Frequently Asked Questions
What is the current Merrill Edge promotion?
Merrill Edge currently offers up to $1,000. The headline requirement is $250,000 deposit held for about 90 days.
How much money is required for the Merrill Edge bonus?
The highest advertised payout currently requires $250,000. Lower tiers may require less; review the tier table on this page.
How long is the money committed?
Plan on approximately 100 days including funding, maintenance, settlement, and a practical payout buffer.
Eligibility
Must have an open Bank of America checking account and be enrolled in BofA Preferred Rewards within 90 days of funding. Offer valid for new and existing individual Merrill IRAs or Cash Management Accounts (CMA). Cash bonus offers limited to one CMA and one IRA per accountholder. Does not apply to business/corporate accounts, investment club accounts, partnership accounts, or certain fiduciary accounts. Use promo code 1000BR.
Fees
Apply
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Sources (2)
We last checked this against the bank's page on September 18, 2026.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.